Journey Credit Union Des Moines IA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Journey Credit Union, where your financial journey is our priority! Located at 2930 Se 14th St, Des Moines, IA 50320, we have been serving our community since 1954. With over 5,156 members and a strong commitment to supporting each individual's financial needs, we strive to provide personalized services that go beyond traditional banking. Our credit union boasts impressive assets totaling $88,050,634, with total deposits reaching $12,698,543. We understand the importance of stability and growth for our members, which is why we maintain a healthy net worth of $14,021,460 and cash in hand amounting to $509,418. Our focus on responsible lending is evident in our total loans and leases of 3,246, ensuring that you have access to the funds you need while managing risks effectively. At Journey Credit Union, we believe in giving back to our members and community. Under the leadership of our CEO, Rachel Ballenger, and Board President Ted Crow, our dedicated team of 16 employees works tirelessly to create a welcoming environment where everyone feels valued. Whether you're interested in checking and savings accounts, auto loans, mortgages, or personal loans, we're here to guide you every step of the way. While members can visit us at our branch location for all your banking needs, official correspondence should be sent to our mailing address: PO Box 1496, Des Moines, IA 50305-1496. We invite you to explore our website at journeycu.org for more information about our services or give us a call at 515-282-3606. Join us today and let's embark on this financial journey together!

Branch History & Mission

Journey Credit Union has a rich history rooted in community service and financial empowerment. Established in 1954, our branch located at 2930 SE 14th St, Des Moines, IA 50320 has been a trusted partner for countless individuals and families in the area. Over the years, we have grown alongside our members, building a strong foundation that now supports over 5,156 members and boasts total assets of $88,050,634. From humble beginnings, Journey has evolved into a vibrant hub of financial services. Our mission is clear: to provide accessible banking solutions while fostering a sense of community among our members. We believe that everyone deserves the opportunity to thrive financially, which is why we offer a range of services including checking and savings accounts, auto loans, mortgage options, and personal loans. Our commitment extends beyond transactions; we aim to build lasting relationships that empower our members to achieve their financial goals. Our dedicated staff is here to assist you during our operating hours: Monday through Thursday from 9:00 am to 5:00 pm, Friday until 5:30 pm, and Saturday from 9:00 am to 12:00 pm. In addition to our friendly lobby service, we also provide essential features like ATM access and drive-thru banking for your convenience. While members can visit us at 2930 SE 14th St, official correspondence should be sent to PO Box 1496, Des Moines, IA 50305-1496 if needed. We strive to ensure our facilities are ADA compliant, making banking accessible for everyone. Journey Credit Union is not just about numbers; it's about people. We actively engage with our community through various outreach programs and partnerships that support local initiatives. Whether it's helping first-time homebuyers or providing resources for small businesses, we are proud to contribute positively to the lives around us. As technology advances, we stay committed to enhancing your banking experience with features like online and mobile banking. Members can easily manage their accounts anytime through secure platforms that prioritize safety and convenience. We invite you to join Journey Credit Union today! Experience firsthand the benefits of becoming a member of an organization that truly cares about your financial well-being and community growth. Together, let's continue this journey toward success! For more information or assistance, feel free to call us at 515-282-3606 or visit our website at journeycu.org.

Branch Location & Accessibility

Convenient Access

At Journey, we understand that accessibility is key. Our branch features ample parking right outside, making it simple for you to hop in and out. We are proud to offer ADA-compliant facilities, ensuring that everyone can easily access our services without any barriers. If you prefer to use our drive-thru banking option, we've got you covered there too! It's perfect for quick transactions like deposits and withdrawals without having to leave your car.

Operating Hours

We know your time is valuable! That's why our lobby hours are designed to fit your busy schedule. We're open from 9:00 am to 5:00 pm Monday through Thursday, with extended hours until 5:30 pm on Fridays, and Saturday hours from 9:00 am until noon. This flexibility allows you to visit us when it's most convenient for you.

Services Offered

At Journey Credit Union, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage options, our friendly team is here to help you navigate all your banking needs. Plus, with ATM availability right at our location, accessing cash is hassle-free! And if you're a member of another participating credit union, feel free to take advantage of our shared service center for additional convenience.

Visit Us Today!

Ready to experience exceptional service? We invite you to stop by Journey Credit Union at 2930 Se 14th St in Des Moines or give us a call at 515-282-3606. Let us assist you on your financial journey today!

Member Eligibility

Becoming a member of Journey is like opening the door to a welcoming community where your financial well-being is our priority. If you live, work, or worship in the area around 2930 Se 14Th St Des Moines Ia 50320, you're already on your way to joining us! We're here for anyone who shares our values and wants to take advantage of the benefits we offer, from personalized service to competitive rates on loans and savings. Whether you're looking for a checking account, an auto loan, or just some friendly financial advice, we invite you to explore all that membership can bring. The process of becoming a member is simple and straightforward. To get started, just give us a call at (515) 282-3606 or visit our website for more information. You can find detailed eligibility criteria at , so feel free to check it out for any updates. Joining Journey means you're not just another number; you're part of a family committed to supporting each other's financial goals. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In today's fast-paced world, efficient payment processing can make all the difference. Our merchant services are designed with your needs in mind, ensuring you can accept payments easily and securely. Picture your customers enjoying a smooth checkout experience while you focus on what matters most growing your business. Located at 2930 Se 14Th St Des Moines Ia 50320 in Des Moines, IA, we're here to partner with you on your path to success. For more information, feel free to reach out at (515) 282-3606. Let's take the next step together!

Tailored Financing Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $28 in non-member commercial loans, providing flexible financing solutions. Imagine the possibilities when you have access to the right funding whether it's upgrading equipment, hiring staff, or launching a new product line. Our experienced team is here to help you navigate these opportunities.

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and small businesses, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. We understand the unique challenges business owners face, so we tailor our products to support growth and success in our community.

Cash Withdrawal Services

For those who prefer face-to-face banking, we have an ATM available along with basic drive-thru services for quick deposits and withdrawals. Plus, if you're a member of partner credit unions, take advantage of our shared branch transactions for added convenience. At Journey, we're dedicated to making banking easier for you. If you're ready to explore how our services can benefit you or if you have any questions about what we offer, don't hesitate to reach out! Call us today at 515-282-3606, or visit us in person we're here from 9:00 am to 5:00 pm Monday through Thursday and until 5:30 pm on Friday! Together, let's navigate your financial journey!

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options that let you manage your accounts anytime, anywhere. Need to check your balance? Transfer funds? Pay bills? You can do it all from the palm of your hand.

Credit Cards with Rewards

Our Credit Cards with Rewards allow you to earn benefits while making everyday purchases. It's a great way to enjoy perks like cashback or travel rewards all while managing your budget effectively.

Home Financing

Buying a home is one of the biggest decisions you'll ever make. Our Mortgage Loans & Refinancing services are here to guide you through this exciting process. We offer various mortgage options that cater to different budgets and needs, helping you find the right fit for your family.

Personal Banking Solutions

For those who are just starting their savings or looking to manage everyday expenses, our Checking and Savings Accounts provide flexible options tailored to fit your lifestyle. Imagine having a simple and straightforward account where you can easily track your spending and save for those special moments. If you're considering purchasing a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing make it easy and affordable. With competitive rates and personalized service, you can drive away with confidence knowing you're making a smart financial choice.

Personal Loans

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services provide a safety net when you need it most. Whether it's covering medical bills or consolidating credit card debt, we're here to help you regain control over your finances.

Digital & Online Banking

Key Services for Your Convenience

Our online banking platform allows you to check your account balances, transfer funds, and pay bills anytime you need to. You can also enjoy the benefits of e-statements, which means you'll receive your account statements electronically no more waiting for the mail! Plus, with our electronic signature authorization, signing important documents is quick and secure.

Simple and Secure Access

Accessibility is key at Journey. Our user-friendly interface ensures that whether you're tech-savvy or just starting with digital banking, you can navigate your accounts with ease. Real-time updates keep you informed about your financial activities, so you're always in control. In a world where life moves quickly, we are here to help simplify your banking experience. Explore all our digital offerings today at https://journeycu.org/ and take advantage of the flexibility that comes with modern banking!

Stay Connected on the Go

For those who prefer banking from their mobile devices, our mobile application is ready for download. With this app, you can manage your accounts, make person-to-person transfers, and even set up mobile payments for easy transactions at your favorite stores. We prioritize security so that you can feel confident while using these features.

Financial Strength

Commitment to Growth

With $9,991,004 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your ambitions with $1,323 in used auto loans and $51,771,029 in total loans and leases. Our operational efficiency is reflected in our $1,230,456, enabling us to offer competitive loan rates and solid financial products for our members. We also take pride in having 14 full-time employees and 2 part-time employees dedicated to serving you with knowledge and commitment.

Member Trust

Total Share Accounts stand at 14,006, demonstrating a strong and growing member base that trusts us with their finances. The funds available for lending and investments amount to $7,357,464, reinforcing our ability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Journey is your trusted partner. Visit us at 2930 Se 14Th St Des Moines Ia 50320 or call (515) 282-3606 to learn more about how we can help you achieve your financial goals.

Secure Savings Opportunities

Your savings are safeguarded through $17,202,256 in share certificates and $14,743,708 in money market shares, which provide stable and rewarding growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $0, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $14,021,460, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation reflects our dedication to your financial well-being. Our net worth ratio of $1,592 demonstrates a robust capital structure, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $20,103,178 in used vehicle loans and $5,605,532 in new vehicle loans already helping members get on the road. We make it easy for you to secure financing for your next vehicle, whether it's new or used.

Credit Lines

If you're looking for additional flexibility in managing your expenses, consider our credit lines totaling $1,800,000. These lines can provide quick access to funds whenever you need them. Whether you're ready to apply or just want more information about refinancing options or eligibility requirements, we're here to assist you every step of the way. Reach out to us at 515-282-3606 or visit us at 2930 Se 14th St Des Moines IA 50320 during our operating hours: Monday to Thursday from 9:00 am to 5:00 pm, Friday until 5:30 pm, and Saturday until noon. For more insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,092,393, make buying or refinancing simple. We provide flexible terms and competitive rates to suit your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $866,264 in loans helping members manage their finances effectively. Our credit cards come with rewards and are designed to give you the purchasing power you need without breaking the bank.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This adherence guarantees fair and transparent offers, allowing users to trust the information they receive. By utilizing data from legitimate financial institutions, LendMesh ensures that every comparison reflects the most current market conditions.

Journey